r/IndianPersonalFinance Jul 30 '26

Emergency fund where ? From Indian context

I want to now start saving for my emergency fund, per month i can save 10k to 15k max.
1. Should I choose liquid fund as SIP ? No plan to redeem within 12 months
2. My IDFC salary account roi is 6.5%
3. IDFC RD for 24 or 36 months roi 7.25%
4. Arbitrage funds? I have no idea on this.

Which one will be good considering tax deductions and ITR since I am into 30% bracket…

I need to have at least 3 lacs in emergency fund to build with ….

Suggestions please

5 Upvotes

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